Disability Insurance

Accidents and illnesses are a fact of life. They could happen to anyone at any time. Disability coverage is designed to help protect your ability to earn an income—something that could be jeopardized the second a disability strikes.

Help Protect Yourself, Your Family and Your Business

Disability insurance can provide an income if you become disabled. Plans can be tailored to meet the needs of individuals whose occupations or work situations make it challenging to obtain coverage.

Did you know that:

> 1 in 3 people, on average, will be disabled for 90 days or more at least once before they reach age 65?

> A disability can last for months or even years?

Consider these situations:

> A person spends months recuperating from a car accident.

> A carpenter breaks an arm while skiing and can’t work for eight weeks.

> An overworked doctor must “take it easy” after a heart attack.

> Chemotherapy saps the energy of a busy store manager.

> A stroke affects a computer programmer’s ability to reason with numbers.

> An individual has been diagnosed with major depressive disorder following a traumatic event.

Disability insurance can also help your business survive if you or a business partner becomes disabled. Overhead expense plans can help cover business expenses (such as utilities, rent, salaries and property taxes) while you are disabled. And to help you with business succession, partner buy-out coverage can provide you with funds to help purchase a disabled partner’s share of the business.

Most people recognize the need for life insurance, but many do not understand the need for disability insurance. The fact is, when you are disabled because of an illness or injury, your income stops - but your bills don’t.